PINC vs SCHD
PGIM Securitized Income ETF vs Schwab US Dividend Equity ETF
Quick Verdict
SCHD has a lower expense ratio. PINC delivered stronger 1-year returns. PINC offers more diversification with 106 holdings.
Side-by-Side Comparison
| Metric | PINC | SCHD | Winner |
|---|---|---|---|
| Expense Ratio | 0.39% | 0.06% | |
| AUM | $25M | $108.7B | |
| Dividend Yield | 0.77% | 3.13% | |
| Holdings | 106 | 104 | |
| YTD Return | -0.19% | +26.54% | |
| 1Y Return | +105.03% | +30.90% | |
| 3Y Return (annualized) | +27.54% | +16.29% | |
| 5Y Return (annualized) | +9.85% | +9.65% | |
| Volatility (annualized) | 32.9% | 13.6% | |
| Max Drawdown | -56.7% | -33.4% | |
| Fund Family | PGIM Investments | Charles Schwab Asset Management | |
| Category | Fixed Income | Equity | |
| Inception | Jun 1, 2026 | Oct 20, 2011 |
PINC vs SCHD Performance
PGIM Securitized Income ETF (PINC) is a ETF from PGIM Investments and Schwab US Dividend Equity ETF (SCHD) is a ETF from Charles Schwab Asset Management. Over the past year PINC returned +105.03% while SCHD returned +30.90%. Year to date, PINC is down 0.19% versus a gain of 26.54% for SCHD.
Over three years, PINC compounded at +27.54% per year against +16.29% for SCHD; over five years the annualized figures are +9.85% and +9.65% respectively. Across the full 13-year window we track, SCHD has the edge at +11.51% annualized vs +5.19%. Past performance does not guarantee future results.
Risk: Volatility and Drawdowns
PINC has been the more volatile fund, with annualized monthly volatility of 32.9% compared with 13.6% for SCHD. Lower volatility generally means a smoother ride, though it often comes with lower long-run returns.
The deepest peak-to-trough decline in our data was -56.7% for PINC and -33.4% for SCHD. Drawdown depth is worth weighing if you expect to sell during market stress rather than ride it out.
The two funds' monthly returns correlate at 0.15. They move independently enough that combining them can meaningfully diversify a portfolio.
Fees and Cost Over Time
PINC charges 0.39% per year while SCHD charges 0.06%. On a $10,000 position that is $39 vs $6 annually, a gap of $33 per year that compounds over a long holding period. On income, PINC currently yields 0.77% against 3.13% for SCHD.
Holdings Overlap
PINC and SCHD share 0 holdings out of 108 unique holdings combined, representing a 0.0% weight overlap.
Moderate overlap means holding both could provide meaningful diversification benefits.
Frequently Asked Questions
Which is cheaper, PINC or SCHD?
PINC has an expense ratio of 0.39% while SCHD charges 0.06%. SCHD is the cheaper option. On a $10,000 investment, that is $33 per year of difference.
Which performed better, PINC or SCHD?
Over the past year PINC returned +105.03% vs +30.90% for SCHD, so PINC leads on 1-year performance. Over the longest common window we track (13 years), PINC annualized +5.19% vs +11.51% for SCHD. Past performance does not guarantee future results.
Which is riskier, PINC or SCHD?
PINC has been the more volatile fund at 32.9% annualized versus 13.6% for SCHD. Worst drawdown: PINC -56.7% vs SCHD -33.4%.
Should I hold both PINC and SCHD?
PINC and SCHD have a monthly-return correlation of 0.15, so combining them can provide real diversification depending on your allocation goals.
What is the holdings overlap between PINC and SCHD?
PINC and SCHD share 0 common holdings with a 0.0% weight overlap. Combined, they hold 108 unique securities.
Which pays a higher dividend, PINC or SCHD?
PINC yields 0.77% while SCHD yields 3.13%, so SCHD currently pays the higher dividend yield.
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